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Archive · January 30, 2026

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Story 01

Visa Credentials Soar as Payments Hyperscaler Eyes Agentic Commerce

Visa reported a strong start to fiscal 2026, emphasizing the importance of credentials over cards in its global payments architecture. This focus on agentic commerce could shift market power towards companies that effectively integrate AI and tokenization into payment processes, affecting payment networks, merchants, and consumers globally. Expect increased competition in agentic commerce and stablecoin integration, influencing merchant strategies and consumer payment preferences. The emphasis on credentials over cards might challenge traditional card-based business models.

Source: PYMNTS
Also Worth Knowing
№02

Universal Launches UAE's First Central Bank-Registered Stablecoin

Universal Digital launched USDU, the UAE's first central bank-approved USD-backed stablecoin, marking a milestone in the region's digital currency landscape. This move positions the UAE as a leader in stablecoin adoption, potentially influencing other regions to follow suit. This could drive regulatory developments and stablecoin adoption in the Middle East and beyond. The success of USDU will depend on its integration with existing financial systems and consumer trust.

Source: Finextra
№03

Nu Wins Conditional Approval for US National Bank Charter

Nubank received conditional approval from the OCC to establish a national bank in the US, marking a significant step in its expansion strategy. This entry into the US market could intensify competition in digital banking services, affecting Nubank and its fintech competitors. Potential for increased M&A activity as traditional banks respond to fintech encroachment. Nubank's success in the US is not guaranteed; regulatory hurdles and market saturation could pose challenges.

Source: PYMNTS
№04

Mastercard Launches BIN Sponsorship Programme for UK Fintechs

Mastercard introduced a BIN sponsorship program to support UK fintechs in launching card programs, facilitating easier market entry. This initiative could lower entry barriers for fintechs, increasing competition in the UK payments market. Potential acceleration of fintech innovation and partnerships with established financial institutions. The program may not address deeper challenges fintechs face, such as regulatory compliance and customer acquisition.

Source: Finextra
№05

Senate Crypto Bill Finds Common Ground on Data Standards

The US Senate Agriculture Committee advanced a crypto market structure bill, granting the CFTC primary authority over spot trading. This regulatory clarity could boost institutional participation in crypto markets, shifting power dynamics in the financial landscape. Expect increased compliance costs and potential market consolidation as firms adapt to new regulations. Regulatory focus on data standards might overlook other critical areas like consumer protection and fraud prevention.

Source: PYMNTS
The Long Memory
“Did you know that the first credit card was made of cardboard? Diners Club introduced it in 1950 after founder Frank McNamara forgot his wallet at a restaurant.

Filed under: Payments History · The Long Memory

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